N26 Business

Business banking for freelancers and the self-employed

N26 Business is the free bank account for freelancers and the self-employed. Earn 0.1% cashback on all purchases you make, and enjoy free card payments worldwide. Open yours in minutes, and start making mobile payments before your physical card arrives.

An elevated hand holding a transparent N26 Standard card.
N26 Business Bank Account Free Standard see-through Mastercard Ddbitcard with cashback.

Go global with a Mastercard debit card

Make payments online or in-store anywhere in the world without fees and Mastercard’s best exchange rate. One card for all your transactions – accepted worldwide.

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

Earn 0.1% cashback

You’ll get 0.1% cashback for all purchases when paying with your N26 Mastercard reinvesting the profits straight back into your business.

N26 Bank Account real time notifications about payments.

Real-time push notifications

Stay up to date. Receive push notifications immediately after all account activity, including card payments, direct debits, transfers or N26 cashback. You’ll always be in the know regarding the finances of your business.

Full control

With N26, you have full control over your account and card parameters: block and unblock your card, set your own payment limits, change your PIN code at any time…

Mastercard SecureCode - Icon - N26 Security.

Mastercard 3D Secured payments

Mastercard 3D Secure (3DS) is an extra layer of security that helps prevent fraud when making payments online using your N26 account.

Your transaction history

By scrolling through your transaction list, you can easily have an overview of your day-to-day finances.

Your deposit are protected

N26 owns a European banking licence. Deposits are protected up to €100,000 by the German Deposit Protection Scheme.

Spaces for your plans

Spaces lets you create sub-accounts for managing your saving goals and budgeting in real time. Perfect for organizing your business expenses or setting money aside for your projects! Plus, you're now able to participate in shared sub-accounts to manage finances collectively, e.g. with your colleagues.

Discover Spaces

Automatic categorization. Get a breakdown of your spending

The N26 online business bank account uses artificial intelligence to automatically categorize your spending. Forget clunky spreadsheets—it’s all there in a clear overview in the app.

N26 Bank Account categorising transactions for statistics.

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Banking on the big screen

First, sign up to N26 using the mobile app. Then, view your account from a desktop or other device using our web app.

N26 Business Metal, THE business account

N26 Business Metal is our most premium account, dedicated to you and your business. Get a signature metal Mastercard, and enjoy 0.5% cashback on all your purchases, an extensive insurance package, special partner offers, and more.

Upgrade to N26 Business Metal

We are here for you—in 5 languages

Our N26 Support team is available for you in 5 languages via email or chat. If you have any questions or encounter a problem, they’re always on-hand to help.

N26 Bank Account Customer Service Chat in App.
N26 Business Card.

Get your N26 Business bank account.
It only takes 8 minutes.

Open a new N26 business bank account from your phone or computer with our easy, paperless signup process.

Frequently asked questions

What are Eligibility Requirements?

  • You will use the account primarily for business purposes.
  • You’re not already an N26 user.
  • You reside in a country where N26 operates: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia, Switzerland

Is N26 Business free?

The N26 Business account is free to open online and there's no account management fees. It’s the easiest business bank account to open if you’re a freelancer or self-employed

*Up to €50,000 balance, after which a deposit fee may apply. Please find the Terms & Conditions for more information.

Should I open the account with my personal name or with my business name?

To sign up for N26 Business you have to use your personal name and last name. The N26 Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.

Can I have a regular N26 bank account and an N26 Business account at the same time?

It’s possible to do business banking and spending with your N26 Business Mastercard and personal spending with your additional Maestro card on the same account. However, it’s currently not possible to have two separate N26 accounts at the same time.

How do I get my cashback on Mastercard purchases?

Since N26 Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!

What happens if I use my N26 Business account for personal spending?

The N26 Business bank account makes it easy to do personal spending on the same account if you have both the Mastercard and Maestro cards that are easily available from the app. As long as you use the Mastercard for business spending and the Maestro card for personal spending, you can continue to enjoy the many advantages of the account.

Take your business further with N26 Business Smart

Organize your business finances better with N26 Business Smart. Alongside 0.1% cashback on all card purchases, get a colorful Mastercard, free ATM withdrawals, and customer support via the phone when needed. Plus, set aside your tax payments and budget for expenses with 10 Spaces sub-accounts—including Shared Spaces to manage funds together with others.